Frequently Asked Questions

The following FAQs are for LIBERTY’s Family Value Dental Plan Offered on the Federal Individual Marketplace for Missouri. This plan is only available to residents living in St. Louis City and St. Louis County.

When is Open Enrollment?

Open Enrollment for 2018 starts on November 1, 2017, and ends on December 15, 2017. For a January 1, 2018 effective date, members must be enrolled by December 15, 2017. Once open enrollment ends, members must have a qualifying event to qualify for a Special Enrollment Period. For information on which life events qualify, please check out Healthcare.gov for details.

Why choose a LIBERTY plan?

LIBERTY’s Family Value Dental Plan offers members:

Benefits at copays – no claims required.

Concierge-style “live” customer service – calls are answered by a live person.

Online access to claims, eligibility and benefits, inquiries and more.

If I purchase a Health Plan with dental benefits included, can I still purchase dental benefits separately?

You may purchase dental benefits separately to provide coverage for family members not covered by your Health Plan’s pediatric dental benefits.

Dental benefits for adults are not considered an “essential health benefit” under the Patient Protection and Affordable Care Act (“Affordable Care Act”). Health plans that include embedded pediatric dental benefits only provide dental benefits for family members up to age 19.

Will I have to change my dentist if I purchase a LIBERTY Family Value Dental Plan?

While the benefits work the same as a regular DHMO plan, there is no pre-selection or assignment to a network dentist. Each member of a family may choose a different contracted provider for their dental needs. This dental plan is not Medicaid, and depending on the services you receive, copayments are due at the time of the visit to the dental office. There are no waiting periods on this plan. Once you are an active member, you are eligible to receive care right away.

What is the difference between a standalone dental plan and embedded pediatric dental coverage?

A standalone dental plan is dental coverage that is offered separately from a health plan. Standalone dental plans include the pediatric dental benefits required by the Affordable Care Act and can include dental coverage for adults as well.

Embedded pediatric dental is dental coverage that is included in a health plan. Embedded pediatric dental plans share the out-of-pocket maximums with the health plan's other benefits and only include dental coverage for enrollees to age 19.

I signed up for a LIBERTY Family Value Dental Plan, how do I know I’m enrolled?

To activate your coverage, LIBERTY must receive your application and the first month’s premium ("initial binder payment"). While the Federal Exchange sends your application directly to us, you must pay LIBERTY directly for the first month’s premium. When you completed the application process through Healthcare.gov, the Federal Exchange provided you a link to LIBERTY’s online shopping cart. By clicking on this link, the required information we need is automatically provided to us, and you will have the option to pay by Credit Card, Debit Card, or electronic check, or to print your purchase order and mail it along with payment by check or money order.

Once your coverage is activated, you will receive a welcome kit and an ID card in the mail.

If you still don’t know if you’re enrolled, you may contact LIBERTY at (888) 902-0407, Monday through Friday, 8am to 5pm to receive a status of your application with LIBERTY.

I still need to pay for my dental coverage, but I haven’t received a bill yet. What do I do?

LIBERTY will send you a notice that your initial binder payment is still needed to activate your coverage. However, you may make your payment at any time as long as you meet the payment deadline of the 15th of the month (starting January 15th).

The easiest way to pay is by logging into your Healthcare.gov account. When you completed the application process through Healthcare.gov, the Federal Exchange provided you a link to LIBERTY’s online shopping cart. By clicking on this link, the required information we need is automatically provided to us, and you will have the option to pay by Credit Card, Debit Card, or electronic check, or to print your purchase order and mail it along with payment by check or money order.

Can I use my dental benefits before I pay my invoice?

If you are a new enrollee, your coverage must be activated before using your dental benefits. To activate your coverage, LIBERTY must receive your application and the first month’s premium (initial binder payment).

When you completed the application process through Healthcare.gov, the Federal Exchange provided you a link to LIBERTY’s online shopping cart. By clicking on this link, the required information we need is automatically provided to us, and you will have the option to pay by Credit Card, Debit Card, or electronic check, or to print your purchase order and mail it along with payment by check or money order.

Once your coverage is activated, you will receive a welcome kit and an ID card in the mail.

If your coverage was activated, your plan will remain active as long as you make your payments before the end of the grace period. “Grace period” means a period of 30 days beginning on the first day after the last day of paid coverage.

What is the payment deadline?

Payment to activate your coverage is due on the 15th of the month your coverage begins. For example, for a January 1 effective date, payment is due by January 15th. If your coverage was activated, your plan will remain active as long as you make your payments before the grace period ends.

What happens if I pay late?

If you haven’t activated your coverage yet, your initial binder payment must be received by the 15th of the month deadline. A late initial binder payment may result in a refund and may require you to reapply through Healthcare.gov for a different effective date.

If your coverage was activated, your plan will remain active as long as you make your payments before the grace period ends. “Grace period” means a period of 30 days beginning on the first day after the last day of paid coverage. LIBERTY will send a late payment notice that will explain when your grace period begins and when it ends. If payment is not received by the end of the grace period, your coverage will be terminated.

If you have not made a payment, you can do so by accessing our website here

What if I didn’t get an invoice?

Invoices are mailed to the address on record with the Marketplace. If you have moved, please contact the Marketplace to ensure your address is correct. Upon your notification, the Marketplace will work with LIBERTY to get your address corrected. Please note that LIBERTY will always use the mailing address as the address for sending any correspondence, including invoices and ID cards.

How do I know how much my premium is?

If you haven’t activated your coverage yet, logging into your Healthcare.gov account is the easiest way to find out what your monthly premium is. If your coverage is activated, the monthly premium amount will appear on your monthly bill. You can also contact LIBERTY at (888) 902-0407, Monday through Friday, 8am to 5pm for any questions you may have regarding your monthly premium.

Can I make my payment over the phone?

Yes, you can make your payment using our automated payment system at (877) 484-4345.

Where do I send my check or money order?

Checks should be made payable to LIBERTY Dental Plan. Submit money orders or checks to:

Are my 2017 statements available through CPOL?

Only statements for coverage starting 1/1/18 and after are available through the CPOL. To access the CPOL, visit https://libertydentalplan.ixt.com/ to set up an account and to use this convenient service. For a copy of your 2017 invoice, contact LIBERTY at (888) 902-0407.